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Towa Bank, Ltd. (8558.T)

JPY1,399.00 +50.00 (+3.71%)
JP JPX Financial Services Banks - Regional
Address 2-12-6 Hon-machi 105-0021
Maebashi, JP
CEO Akio Isaka
IPO 2008-06-20
ISIN JP3622400004

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Description

The Towa Bank, Ltd. provides various banking products and services. It offers deposit, lending, ancillary, securities investment, entrustment of corporate bonds, domestic exchange, and foreign exchange services, as well as credit cards. The company was founded in 1917 and is headquartered in Maebashi, Japan.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
JPY1,399.00 +50.00 (+3.71%)
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Volume Profile
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Liquidity & share structure
Average Volume
192.5K
Beta
0.56
Float Shares
28.26M
Free Float %
79.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.82% +12.21% +6.64% +0.17% +29.88% +9.65% +69.10% +128.03% +95.45% +45.06% -72.32%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1,399.00
DCF (Unlevered) 4,090.54 +192.4%
DCF (Levered) 559.19 -60.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.15
Distress
Piotroski F-Score
3 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +25.7% Q1'26: -6.7% (vs Q1'25)
  • EPS growth
    -708.2% Q1'26: -1,250.5% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: -328.6% (vs Q1'25)
  • ROIC
    Q1'26: +216.9% (vs Q1'25)
  • Share dilution
    -10.9% Q1'26: -4.3% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: -1.05× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.91) × ERP
WACC = 26% × Ke + 74% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 4,090.54 Current price: 1,399.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2015
actual
Revenue
39.60B
est: 46.39B (-14.6%)
EBITDA
13.46B
est: 9.23B (+45.8%)
EBIT
12.30B
est: 6.82B (+80.2%)
Net Income
12.44B
est: 5.06B (+145.7%)
SGA
21.68B
est: 29.71B (-27.0%)
EPS
336.40
est: 126.59 (+165.7%)
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B 3/5 3/5 2/5 2/5 1/5 4/5 4/5
2026-05-11 B 3/5 3/5 2/5 2/5 1/5 4/5 4/5
2026-05-08 B 3/5 3/5 2/5 2/5 1/5 4/5 4/5
2026-05-07 B 3/5 3/5 2/5 2/5 1/5 4/5 4/5
2026-05-01 B+ 3/5 3/5 3/5 3/5 1/5 4/5 4/5
2026-04-30 B+ 3/5 3/5 3/5 3/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 3/5 3/5 3/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 3/5 3/5 3/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 3/5 3/5 3/5 1/5 4/5 4/5
2026-04-23 B+ 3/5 3/5 3/5 3/5 1/5 4/5 4/5
2026-04-22 B+ 3/5 3/5 3/5 3/5 1/5 4/5 4/5
2026-04-21 B+ 3/5 3/5 3/5 4/5 1/5 4/5 4/5
2026-04-20 B+ 3/5 3/5 3/5 4/5 1/5 4/5 4/5
2026-04-17 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-16 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.01B
OE per share TTM
21.13
Owner's Yield
2.62%
Maintenance CapEx ratio
62.88%
Maint CapEx / Avg PPE
71.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 34 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 WisdomTree Japan SmallCap Dividend Fund DFJ 0.07% 283.8K 0.58%
2 State Street SPDR S&P International Small Cap ETF GWX 0.03% 247.6K 0.40%
3 Dimensional - International Small Cap Value ETF DISV 0.02% 856.9K 0.42%
4 Avantis International Small Cap Value ETF AVDV 0.02% 3.38M 0.36%
5 Dimensional - International Small Cap ETF DFIS 0.01% 700.7K 0.39%
6 Schwab International Small-Cap Equity ETF SCHC 0.01% 578.7K 0.06%
7 Avantis International Small Cap Equity ETF AVDS 0.01% 29.3K 0.30%
8 Amundi Japan TOPIX II UCITS ETF EUR Hedged Dist JPNH.PA 0.01% 60.0K 0.45%
9 Amundi Japan TOPIX II UCITS ETF EUR Dist JPNU.L 0.01% 59.0K 0.45%
10 Vanguard FTSE All-World ex-US Small-Cap ETF VSS 0.01% 989.1K 0.06%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
-23.09M
Shares Outstanding
35.44M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Hiroshi Ebara President, Chief Executive Officer, Executive Officer & Representative Director male
Isao Kitazume Vice President & Executive Officer and Director male
Kazuyoshi Shiraishi Managing Executive Officer
Masahiko Hijikata Head of Fund Management Department
Shinichiro Suzuki Senior Managing Executive Officer & Director male
Susumu Okabe Managing Executive Officer & Director male
Toru Kobayashi Managing Executive Officer
Wasa Takahisa Managing Executive Officer
Yoichi Noguchi Director of Finance & Accounting
Yuji Iijima Managing Executive Officer
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits